Mapulani a Vermont Medicare mu 2021

Zamkati

• Medicare ndi chiyani?
• Ndi mapulani ati a Medicare Advantage omwe amapezeka ku Vermont?
• Ndani ali woyenera ku Medicare ku Vermont?
• Ndingalembetse liti ku mapulani a Medicare Vermont?
• Malangizo pakulembetsa ku Medicare ku Vermont
• Zida za Vermont Medicare
• Ndiyenera kuchita chiyani kenako?

Ngati mukukhala ku Vermont ndipo mukuyenera kulembetsa ku Medicare, kapena ngati mungayenerere kukhala ndi mwayi, kutenga nthawi kuti mumvetsetse zomwe mungasankhe kungakuthandizeni kusankha bwino zomwe mukufuna.

Medicare ndi njira yothandizidwa ndi boma yothandizira inshuwaransi ya anthu azaka 65 kapena kupitilira apo komanso omwe ali ndi zilema.Pali magawo a Medicare omwe mungapeze mwachindunji kuchokera ku boma komanso magawo omwe mungagule kumakampani a inshuwaransi apadera kuti muwonjezere kapena kusintha malowa.

Pemphani kuti mudziwe zambiri za Medicare ndi zosankha zanu.

Medicare ndi chiyani?

Medicare ili ndi magawo osiyanasiyana. Gawo A ndi B ndizomwe mungapeze kuchokera ku boma. Pamodzi, amapanga zomwe zimadziwika kuti Medicare yoyambirira:

• Gawo A ndi inshuwaransi ya chipatala. Zimathandizira kulipira mtengo wa chisamaliro cha kuchipatala chomwe mumalandira kuchipatala, chisamaliro cha odwala, chisamaliro chochepa ku malo oyamwitsa anthu odziwa bwino ntchito, komanso ntchito zochepa zakuchipatala.
• Gawo B limathandizira kulipira chithandizo chamankhwala akunja, monga ntchito ndi zinthu zomwe mumapeza mukapita ku ofesi ya dokotala, kuphatikizapo chithandizo chodzitetezera.

Ngati inu kapena mnzanu mwagwira ntchito kwa zaka zosachepera 10, mwina simufunika kulipira ngongole ya gawo A. Izi ndichifukwa choti mwina mudalipira kale kudzera mumisonkho yolipira. Ndalama zomwe mumalipira gawo B zimadalira pazinthu monga ndalama zanu.

Medicare Yoyamba imalipira zambiri, koma pali mipata yolumikizira. Muyenerabe kulipira ndalama zathumba mukapita kuchipatala kapena kukaonana ndi dokotala. Ndipo palibe kufotokozera konse pazinthu monga mano, masomphenya, chisamaliro cha nthawi yayitali, kapena mankhwala akuchipatala. Ngati mukufuna zina zowonjezera, mutha kugula mapulani kuchokera kuma inshuwaransi apadera omwe angakulitseni chidwi chanu.

Mapulani owonjezera a Medicare ndi mapulani omwe mungagule kuti athandizire kutseka mipata yomwe ikupezeka. Izi nthawi zina zimatchedwa mapulani a Medigap. Amatha kuthandizira kuchepetsa mtengo wamaopopayi komanso chitsimikizo cha ndalama, komanso amathanso kupereka chithandizo cha mano, masomphenya, kapena ntchito zosamalira anthu kwakanthawi.

Gawo D likukonzekera makamaka kuthandizira kulipira mtengo wa mankhwala akuchipatala.

Madongosolo a Medicare Advantage (Gawo C) amapereka njira "zonse-m'modzi" zopezera magawo A ndi B kuchokera kuboma, kuphatikiza zowonjezera kudzera kuma inshuwaransi wamba.

Zolinga za Medicare Advantage ndizosintha kwathunthu kwa Medicare yoyambirira. Lamulo la Federal limafuna kuti azigwira ntchito zofananira ndi Medicare yoyambirira. Amakhalanso ndi zowonjezera zowonjezera, monga zomwe mungapeze kuchokera ku zowonjezera ndi mapulani a Gawo D, omangidwa m'mapulani osiyanasiyana. Madongosolo a Medicare Advantage nthawi zambiri amaperekanso zowonjezera monga mapulogalamu azaumoyo ndi thanzi, komanso kuchotsera mamembala.

Ndi mapulani ati a Medicare Advantage omwe amapezeka ku Vermont?

Ngati dongosolo la Medicare Advantage likuwoneka ngati lingakhale loyenera kwa inu, makampani a inshuwaransi otsatirawa amapereka mapulani awa ku Vermont:

• Chisamaliro chaumoyo cha MVP
• UnitedHealthcare
• Ubwino wa Vermont Blue
• Kusamalira

Mapulani a Medicare Advantage amasiyana malinga ndi dera, chifukwa chake lembani ZIP code yanu posaka mapulani komwe mumakhala.

Ndani ali woyenera ku Medicare ku Vermont?

Mukuyenera kulembetsa ngati muli:

• zaka 65 kapena kupitirira
• ochepera zaka 65 ndipo ali ndi chilema choyenera
• m'badwo uliwonse ndipo ali ndi matenda am'magazi (ESRD) kapena amyotrophic lateral sclerosis (ALS)

Ndingalembetse liti ku mapulani a Medicare Vermont?

Ngati kuyenerera kwanu kwa Medicare kumadalira msinkhu, nthawi yanu yoyamba kulembetsa imayamba miyezi itatu musanakwanitse zaka 65 ndikupitilira miyezi itatu pambuyo pake. Munthawi imeneyi, ndizomveka kulembetsa nawo gawo A.

Ngati inu kapena mnzanu mukuyenererabe kulandira chithandizo chothandizidwa ndi olemba anzawo ntchito, mungasankhe kusunga izi osalembetsa ku Gawo B kapena chithandizo chilichonse chowonjezera cha Medicare pakadali pano. Ngati ndi choncho, mudzayenerera kulembetsa m'kaundula mtsogolo.

Palinso nthawi yolembetsa yotseguka chaka chilichonse, nthawi yomwe mutha kulembetsa koyamba kapena kusintha mapulani. Nthawi yolembetsa pachaka ya Medicare yoyambira ndi Okutobala 1 mpaka Disembala 7, ndipo nthawi yolembetsa yotsegulira mapulani a Medicare Advantage ndi Januware 1 mpaka Marichi 31.

Malangizo pakulembetsa ku Medicare ku Vermont

Zikafika pakulembetsa mapulani a Medicare ku Vermont, mudzafunika kuganizira mozama zinthu zomwezo zomwe mungafunse mukamalembetsa dongosolo lililonse laumoyo:

• Kodi mtengo wake ndi wotani? Kodi ndalama zomwe amapereka zimakhala zapamwamba bwanji? Ndipo kodi gawo lanu ndi liti mukawona dokotala kapena kudzaza mankhwala?
  • Ndi mapulani otani? Madongosolo a Medicare Advantage amafunikira kuti athe kupeza zabwino zonse monga Medicare yoyambirira koma amasinthasintha mapangidwe ake. Zolinga zina zitha kukhala mapulani a Health Maintenance Organisation (HMO) omwe amafunikira kuti musankhe woperekera chisamaliro choyambirira ndikutumizirani ena chisamaliro chapadera. Ena atha kukhala mapulani a Preferred Provider Organisation (PPO) omwe amakupatsani mwayi wolumikizana ndi akatswiri popanda kutumizidwa.
• Kodi ma netiweki amakupatsirani zosowa zanu? Kodi mumaphatikizapo madokotala ndi zipatala zomwe zingakuthandizeni? Nanga bwanji za omwe amakupatsani chithandizo omwe muli nawo kale pachibwenzi ndipo mungafune kupitiliza kuwawona?

Zida za Vermont Medicare

Zinthu zotsatirazi zitha kukhala zothandiza ngati mungafune kudziwa zambiri pazomwe mungasankhe ku Medicare ku Vermont:

• Central Vermont Council pa Kukalamba. Imbani Senior HelpLine pa 800-642-5119 ndi mafunso kapena kuti muthandizidwe kulembetsa mapulani a Medicare ku Vermont.
• Mankhwala
• Ntchito Zachitetezo Cha Anthu

Ndiyenera kuchita chiyani kenako?

Mukakhala okonzeka kupita patsogolo ndikulembetsa ku Medicare ku Vermont, ganizirani izi:

• Chitani kafukufuku wina pazomwe mungasankhe. Mndandanda womwe uli pamwambapa ndi malo abwino kuyamba kufufuzira mapulani a Medicare ku Vermont. Muthanso kuyitanitsa Vermont Council pa Aging's Senior Helpline ku 800-624-5119 kuti muthandizane payekha pazomwe mungasankhe pa Medicare.
• Mutha kulingalira zogwira ntchito ndi wothandizila yemwe ali ndi luso logulitsa mapulani a Medicare ku Vermont ndipo angakulimbikitseni pazomwe mungasankhe.
• Ngati mukulembetsa pakadali pano, lembani fomu yapa Medicare yapaintaneti patsamba la Social Security Administration. Kugwiritsa ntchito kumatenga mphindi zochepa ngati 10 ndipo sikufuna zolemba zilizonse kuti mumalize.

Nkhaniyi idasinthidwa pa Novembala 13, 2020, kuti iwonetse zambiri za 2021 Medicare.

Zomwe zili patsamba lino zimatha kukuthandizani posankha nokha za inshuwaransi, koma cholinga chake si kupereka upangiri wokhudzana ndi kugula kapena kugwiritsa ntchito inshuwaransi kapena zinthu zilizonse za inshuwaransi. Thanzi siligulitsa bizinesi ya inshuwaransi mwanjira iliyonse ndipo silikhala ndi chilolezo ngati kampani ya inshuwaransi kapena wopanga madera aliwonse aku U.S. Thanzi sililimbikitsa kapena kuvomereza aliyense wachitatu yemwe angachite bizinesi ya inshuwaransi.